Freedom National Auto Insurance: User Reviews and Quotes (2025)
Freedom National caters to high-risk drivers but only sells coverage in Arizona, Georgia, and Utah.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Freedom National isn’t a standard auto insurance company. It caters to high-risk drivers who struggle to find affordable insurance. With Freedom National, you can find a reasonable rate even if you have past speeding tickets, at-fault accidents, or DUIs on your record.[1]
But Freedom National only operates in a few states and doesn’t offer as many discounts as other insurance companies. You should always compare car insurance quotes from multiple insurers to find cheap coverage. The average cost of coverage from Freedom National is $134 per month for liability and $275 for full coverage.
Here’s what you need to know about coverage options from Freedom National.
Quick Facts
Freedom National offers SR-22 policies and will file the forms on your behalf with your state’s Department of Motor Vehicles.
Freedom National has mixed online reviews from customers and doesn’t have ratings from AM Best or J.D. Power.
The company has flexible payment options that can make paying your bill more comfortable, including paid-in-full, monthly, and semi-annual payments.[2]
How Freedom National compares to other insurance companies
| User Reviews | NR |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Freedom National offers SR-22 insurance coverage and will file SR-22 forms with your state’s Department of Motor Vehicles. The company also has a free tool to check rates from other companies, which can help save you the hassle of getting multiple quotes on your own.
Freedom National may charge higher rates and offer fewer discounts than large national insurers that sell high-risk insurance — like The General and Farmers — but the company generally has positive online reviews from customers.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody ’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
How Freedom National rates compare to competitors
Freedom National has a much higher average full-coverage rate than the national average of $177 per month. Freedom National caters coverage to high-risk drivers, who typically face higher-than-average premiums. Full-coverage insurance from Freedom National is more expensive than coverage from companies like Safeco and Travelers but less expensive than coverage from Infinity.
See how average full-coverage rates from Freedom National and its competitors compare below.
Insurance Company  | Average Monthly Quote |
|---|---|
| Aspire | $194 |
| Farmers | $213 |
| Freedom National | $275 |
| Infinity | $281 |
| Safeco | $142 |
| Travelers | $186 |
| The General | $180 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of Freedom National auto insurance
Your car insurance premium will depend on a variety of factors, but your driving record and age likely affect insurance costs the most.
Drivers with past incidents on their records — like speeding tickets, car accidents, and DUIs — typically pay more for coverage than people with a clean record. Teenagers pay the highest premiums by driver age due to a lack of driving experience. Rates typically decrease with age for drivers between 25 and 69 but start to increase again for drivers 70 and older.[3]
Below, you can see how average monthly liability quotes from Freedom National compare to the national average and vary by driving record and age.
Driver | Freedom National Average Quote | National Average |
|---|---|---|
| Drivers with a clean record | $134 | $100 |
| Drivers with a speeding ticket | $191 | $127 |
| Drivers with an at-fault accident | $197 | $133 |
| Drivers with a DUI | $224 | $147 |
| Teen drivers | $232 | $193 |
| Senior drivers | $98 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Freedom National car insurance cost by state
Freedom National car insurance rates vary by state due to location-based factors like state minimum auto insurance requirements, population density, weather, accident rates, and more. Average premiums can even vary within a state by city and ZIP code.
Average liability rates from Freedom National are similar to competitors in Arizona and Utah but higher than in Georgia.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Freedom National car insurance discounts
Discounts give you a chance to decrease your premium and make car insurance more affordable. While Freedom National advertises fewer car insurance discounts than you might find with other insurers, it offers some that can help cut down on your overall cost of coverage.
Here are the discounts Freedom National offers. Availability varies by state.
Good driver: Demonstrating safe driving behavior can help you save on coverage.
Renewal: You can earn a discount for renewing your policy after six months, as long as you haven’t filed any claims.
Paid-in-full: Paying for your premium in full, rather than in monthly installments, can earn you a discount.
How customers feel about Freedom National
It’s tough to tell how customers feel about Freedom National because the company has a limited number of customer reviews online. And the few available responses aren’t consistent. The company also doesn’t have industry rankings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
Freedom National has a star rating of 3.4 out of 5 from 14 customer reviews on Trustpilot. The company has even less consumer feedback on the Better Business Bureau (BBB) website. Freedom National has four reviews on its BBB Business Profile, resulting in a one-star rating.
Freedom National ratings
Freedom National doesn’t have industry ratings from third-party evaluators like AM Best, J.D. Power, and the NAIC Complaint Index, so it’s hard to assess how Freedom National compares to similar competitors in the industry.
Agencies like AM Best, J.D. Power, and the NAIC give insights into an insurer’s financial stability, customer happiness, and claims-handling services. Comparing these ratings across insurance companies can help you evaluate reliability and performance.
Freedom National car insurance coverage options
Freedom National’s car insurance coverage offerings include state-minimum required coverage — such as liability insurance, uninsured/underinsured motorist, and medical payments or personal injury protection coverage — as well as optional add-ons.
Here are some of the optional coverages you may want to consider for vehicle protection:
Comprehensive coverage
If severe weather, theft, or vandalism causes damage to your car, comprehensive insurance covers your vehicle repair or replacement costs.
Collision coverage
Following a car accident or collision with another object, collision insurance covers your vehicle repair costs.
Rental reimbursement coverage
Rental reimbursement coverage pays for rental car costs if your car needs repairs after an accident.
Towing coverage
Towing coverage provides roadside assistance if your vehicle breaks down.
High-risk coverage
Freedom National offers high-risk car insurance coverage. This means policy options are available if you have a poor credit history, let your insurance lapse in the past, need SR-22 insurance, or have tickets, at-fault car accidents, or a DUI on your record.[4]
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Other options for Freedom National customers
Freedom National only sells auto insurance. If you’re looking to expand your insurance coverage beyond auto insurance, you’ll need to explore other insurance companies.
You may want to consider the following insurance coverages from another company:
Homeowners insurance: Homeowners insurance covers your home and belongings from damage or loss.
Renters insurance: This protects your personal property and provides liability coverage if someone incurs an injury at your house.
Motorcycle insurance: Similar to auto insurance, motorcycle insurance covers motorcycle owners.
Pet insurance: This can cover the cost of treating your pet’s illnesses and injuries.
Freedom National insurance FAQs
Comparing car insurance companies can be frustrating, especially when trying to find information about a smaller company like Freedom National. Here’s some additional information to help you make an informed decision.
Is Freedom National legitimate?
Yes. Freedom National is a legitimate car insurance company that offers coverage in Arizona, Georgia, and Utah. It has no history of fraudulent practices.
What is the average cost of Freedom National car insurance?
The average cost of Freedom National car insurance is $134 per month for liability coverage and $275 for full coverage. Your premium can vary depending on your state, ZIP code, driving history, coverage level, and more.
Before buying a policy to find cheap coverage, the best action is to compare quotes from multiple insurers. When you request quotes, you’ll need to provide your ZIP code and other personal information.
Is Freedom National good at paying claims?
It’s hard to determine how well Freedom National handles claims because it doesn’t have many ratings from third parties in the industry.
Freedom National doesn’t have an AM Best rating, which measures a company’s financial strength and indicates its ability to pay out claims. It also doesn’t have a customer or claims satisfaction rating from J.D. Power.
How do I cancel my Freedom National insurance policy?
To cancel your Freedom National insurance policy, you’ll need to contact their customer service team directly. The company doesn’t offer an option to cancel your account online. But if you do cancel, it’ll refund any unused premium.
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Sources
- Freedom National. "High Risk Drivers and How Much It Costs to Insure Them."
- Freedom National. "Car Insurance FAQ."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Freedom National. "Why Choose Freedom?."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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